我国中小企业融资难的经济学解释及其对策

针对导致中小企业融资难的信息不对称这一根源性问题,文章认为只有联系西方的现代信息经济学和制度经济学理论,消除由于信息不对称而引起的逆向选择和道德风险、化解制度约束才是解决问题的关键.并提出是解决中小企业融资难问题的相应对策.

The Economic Explanation and Solution of Financing Problem of Small and Medium Enterprises

Asymmetric information has been a fundamental cause for financing problem of small and medium enterprises.The author claims that a crucial way of solving the problem is to apply the modern western theory of information economics and institutional economics,to eliminate the adverse selection and moral hazard caused by asymmetric information and to get rid of the institution restriction.The author also proposes the correspondent solutions to the financing problem of small and medium enterprises.